Manager Position at Bank/Loans

[SamSmock]

I would love to see the fact that you would be able to manage your own bank, it would cost a lot of money to open your own branch and would require an application process but I think being able to give out loans to the new players of the server allowing them to afford things like taxi upgrades, basic food and just allow them to experience the server and allow them to find out how the server works just a little easier.

Perhaps maybe an interactive menu like the grocery stores that allow you to sort out stock, it would allow you to look through the list of loans and add/decrease interest rates.

Also create a credit score system to that players that have never taken out a loan, bought a house anything like that have an incredibly low credit score while other people that have bought houses, cars and taken out loans previously would allow them to have a larger credit score and enable them to take out larger loans.

With this new influx of cash maybe the payout from bank robberies could fluctuate and criminals could actually rob the money from branch managers and give managers a chance to up their security with upgrades and bodyguards (I think this would allow the criminals to have a much better RP experience as they would need to plan for the branch manager to be online in order to open the vault.)

Pros:

- Allows people to get money with the correct credit score

- Gives another whitelisted job to people that don't want to deal with much stress.

- Adds another way to experience RP 

Cons:

- Players may take money and not pay it back (I see this as a risk that the branch manager takes upon themselves)

- I would see this as quite a large project for the dev team that would have to put a lot of time and effort into it

 

[Katelyn West]

This is like a previous suggestion of adding credit cards to the city. Overall in my opinion it aint a bad idea but this could be abused alot by people not paying loans back etc. 

Overall if a business plan was written up as in people dont pay loans back the court can seize assets to recover the cost of the loan etc, Also maybe a suggestion of adding like high court enforcement agents to the city for issues relating to debt recovery may also fit in with your plans. 

If there is a way for this to be involved then (which will be alot of hard work by devs and staff) then id be more pursuaded to give it a +1 but as currently stated above id have to give this a -1 as my view personally would be people wouldnt pay it back and theres no infrustructure in place to deal with the potential of high amounts of debt collections. 

Alot of players also like the fact they work hard for what they have got and if this is added then basically anyone can just go buy things and some people love to flex or have grinded to get what they have got. 

-Katelyn

 

[Nikolai]

(I think this would allow the criminals to have a much better RP experience as they would need to plan for the branch manager to be online in order to open the vault.)

wouldn't work, it would be like how car dealerships were before the update they got, be around the shop on import day and then vanish again, this case would be different obviously, but something likewise would happen.
could be a good way to add multiple ways to rob a bank(aka silent or loud).

maybe try RPing as the big bank, bank manager, see how it's like and decide from there?

- Gives another whitelisted job to people that don't want to deal with much stress.

doubt that in a city that is known for banks/shops being robbed almost daily i doubt there would be a lack of stress induced situations for a bank manager

- Players may take money and not pay it back (I see this as a risk that the branch manager takes upon themselves)

Also create a credit score system to that players that have never taken out a loan, bought a house anything like that have an incredibly low credit score while other people that have bought houses, cars and taken out loans previously would allow them to have a larger credit score and enable them to take out larger loans.

don't think a credit score is needed, if this was to be a thing it should just be up to the bank manager/workers to decide how much they trust you.

 

[SGT Dean Hastings]

I think this could work but it would best be done in roleplay and not require any dev work. If you wanna give out a loan you can, a solicitor can make up the contract, if the contract is breached assets are seized. This can all be accomplished in roleplay without any need for devs to start mkaing complicated banking mechanics. 

 

[SamSmock]

I think this could work but it would best be done in roleplay and not require any dev work. If you wanna give out a loan you can, a solicitor can make up the 9thntract, if the contract is breached assets are seized. This can all be accomplished in roleplay without any need for devs to start mkaing complicated banking mechanics. 

Honestly I'm dissapointed that I didn't think about this myself, do you have any suggestions for advertising such an ambitious and risky venture? 

Also thanoyu everyone for your replies and suggestions I can't really think of one that I disagree with!